Rates
stated above are Annual Percentage Yields. Share accounts with a
balance of $100 or less will not earn dividends. A minimum balance of
$25 must be maintained for membership qualification and $100.01 to earn
dividends.

Share Certificate Rates

Certificate Accounts Rates and Terms - Fixed CD

Effective Date

August 1st, 2010 through August 31st, 2010

Minimum Opening Deposit

1,000.00*

* FFA & 4H students age 9 yrs to 18yrs - minimum balance $200.00

Dividends Compounded

Quarterly and at Maturity

Dividends Credited

Quarterly and at Maturity

Dividend Period

Quarterly

Additional Deposits

Not Allowed - See Transaction Limitations in Account Disclosure

Withdrawals

Not Allowed - See Transaction Limitations in Account Disclosure. Early Withdrawal Penalties Apply

Renewable

Automatic

TERM

6 months (182 days)

DIVIDEND RATE (%)

0.648% Fixed

ANNUAL PERCENTAGE YIELD (%)

0.650% Fixed

TERM

12 months (365 days)

DIVIDEND RATE (%)

0.896% Fixed

ANNUAL PERCENTAGE YIELD (%)

0.90% Fixed

TERM

36 months (3 years)

DIVIDEND RATE (%)

1.243% Fixed

ANNUAL PERCENTAGE YIELD (%)

1.25% Fixed

Certificate Accounts Rates and Terms - Fixed CD

Effective Date

August 1st, 2010 through August 31st, 2010

Minimum Opening Deposit

100,000.00*

Dividends Compounded

Quarterly and at Maturity

Dividends Credited

Quarterly and at Maturity

Dividend Period

Quarterly

Additional Deposits

Not Allowed - See Transaction Limitations in Account Disclosure

Withdrawals

Not Allowed - See Transaction Limitations in Account Disclosure. Early Withdrawal Penalties Apply

Renewable

Automatic

TERM

6 months (182 days)

DIVIDEND RATE (%)

0.847% Fixed

ANNUAL PERCENTAGE YIELD (%)

0.85% Fixed

TERM

12 months (365 days)

DIVIDEND RATE (%)

1.144% Fixed

ANNUAL PERCENTAGE YIELD (%)

1.15% Fixed

TERM

36 months (3 years)

DIVIDEND RATE (%)

1.935% Fixed

ANNUAL PERCENTAGE YIELD (%)

1.95% Fixed

Home Loan Rates

Loans
up to $416,999.99. Larger loans are available at our Jumbo Rates shown
below. The interest rate is subject to interest adjustment on each
five-year anniversary of the loan. Loans also available for separately
maintained dwelling on one parcel, please call for details.